{"id":3641,"date":"2026-05-07T10:31:53","date_gmt":"2026-05-07T09:31:53","guid":{"rendered":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/?page_id=3641"},"modified":"2026-05-07T10:38:25","modified_gmt":"2026-05-07T09:38:25","slug":"guarantor-mortgages","status":"publish","type":"page","link":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/first-time-buyers\/guarantor-mortgages\/","title":{"rendered":"What is a guarantor mortgage?"},"content":{"rendered":"<div class=\"c-section c-section--primary-lighter my-4\" id=\"\">\n    <h2 class=\"c-section__title\">\n        In summary:    <\/h2>\n    <div class=\"c-section__content\">\n        <ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">A guarantor mortgage allows a third party to use their savings or property to support your mortgage\u00a0application, if\u00a0your deposit or income\u00a0isn&#8217;t\u00a0enough on its own<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">The guarantor takes on a legal obligation to cover repayments if you\u00a0can&#8217;t<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Guarantors tend to be close relatives who own their own home, or hold\u00a0substantial\u00a0savings<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Both you and your guarantor will go through full affordability and credit checks<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Independent legal and financial advice is recommended for the guarantor before\u00a0they agree to becoming one<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n    <\/div>\n<\/div>\n\n\n\n<p>For many&nbsp;<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/first-time-buyers\/\" target=\"_blank\" rel=\"noreferrer noopener\">first-time buyers<\/a>, the challenge of getting a mortgage comes down to meeting specific lending criteria. You might be close on your deposit, have a steady income that covers your outgoings, or simply not have much credit history yet. A guarantor mortgage is one&nbsp;option&nbsp;designed to help in these situations, by adding extra security for the lender.&nbsp;<\/p>\n\n\n\n<p>It works by bringing another party, typically a family member, into the application to add financial weight behind it. This can make the difference between a lender approving a loan or turning it down.&nbsp;<\/p>\n\n\n\n<p>That support comes with real legal obligations, though, for the guarantor as much as for you. This guide explains how the process works, what the risks look like on both sides, and what to consider before going ahead.&nbsp;<\/p>\n\n\n\n<h2 id=\"what-is-a-guarantor-mortgage\" class=\"wp-block-heading\">What is a guarantor mortgage?&nbsp;<\/h2>\n\n\n\n<p>A guarantor mortgage is a home loan backed by a third party,&nbsp;which is usually&nbsp;a parent or close relative. They&nbsp;agree to be legally responsible if you&nbsp;can&#8217;t&nbsp;keep up with repayments, but they&nbsp;don&#8217;t&nbsp;co-own the&nbsp;property,&nbsp;and their name&nbsp;won&#8217;t&nbsp;appear on the deeds. Their role&nbsp;is to&nbsp;give the lender confidence that the loan will be repaid one way or another.&nbsp;<\/p>\n\n\n\n<h2 id=\"how-does-a-guarantor-mortgage-work\" class=\"wp-block-heading\">How does a guarantor mortgage work?&nbsp;<\/h2>\n\n\n\n<p>When you apply, the lender looks at both your financial situation and your guarantor&#8217;s. Your guarantor then agrees to a specific legal arrangement, either securing the mortgage against their own property or ringfencing a sum of savings, depending on the structure of the deal.&nbsp;<\/p>\n\n\n\n<p>If your repayments are made on time every month, the guarantor stays in the background,&nbsp;and the arrangement never needs to be called upon. If you fall behind and&nbsp;can&#8217;t&nbsp;cover&nbsp;what&#8217;s&nbsp;owed, the lender turns to them instead.&nbsp;<\/p>\n\n\n\n<p>The scope of that liability varies between lenders. Some cap the guarantor&#8217;s responsibility at a&nbsp;portion&nbsp;of the&nbsp;loan,&nbsp;others extend it to the full amount.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 id=\"what-documents-do-i-need-to-apply-for-a-guarantor-mortgage\" class=\"wp-block-heading\">What documents do I need to apply for a guarantor mortgage?&nbsp;<\/h2>\n\n\n\n<p>Both you and your guarantor will need to pull together paperwork before an application can go anywhere.&nbsp;&nbsp;<\/p>\n\n\n\n<p>For the borrower, lenders typically ask for:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Proof of identity, such as a passport or driving licence\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Proof of address, such as a recent utility bill or bank statement\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Payslips or proof of income covering the last three months\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bank statements, usually for the last three to six months\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Details of any existing debts or regular financial commitments\u00a0<\/li>\n<\/ul>\n\n\n\n<p>Your guarantor will need much of the same, plus evidence of whatever asset&nbsp;they&#8217;re&nbsp;putting forward, whether&nbsp;that&#8217;s&nbsp;their property, savings, or both.&nbsp;<\/p>\n\n\n\n<h2 id=\"when-would-someone-need-a-guarantor\" class=\"wp-block-heading\">When would someone need a guarantor?&nbsp;<\/h2>\n\n\n\n<p>There are several situations where someone might seek a guarantor.&nbsp;Some examples include:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A buyer might have a deposit, but\u00a0not quite enough\u00a0to meet the lender&#8217;s minimum for the property they want\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A buyer\u2019s income covers the repayments\u00a0they\u2019d\u00a0be eligible for comfortably, but not on the terms the lender requires\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The buyer has a limited credit history, so there\u00a0isn\u2019t\u00a0evidence of successfully keeping up with loan repayments in the past. This is often the case for younger buyers who\u00a0haven&#8217;t\u00a0had enough time to build one\u00a0<\/li>\n<\/ul>\n\n\n\n<p>In most cases, a guarantor&nbsp;doesn&#8217;t&nbsp;alter what the buyer can afford to repay each month. The lender&#8217;s appetite for the risk is what changes.&nbsp;<\/p>\n\n\n\n<h2 id=\"who-can-get-a-guarantor-mortgage\" class=\"wp-block-heading\">Who can get a guarantor mortgage?&nbsp;<\/h2>\n\n\n\n<p>First-time buyers are the main audience for this type of mortgage, though some lenders will consider home movers too.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Criteria vary quite a bit, so what one lender will accept, another may not. Speaking to a mortgage broker that covers the whole of the market is often the most efficient route to understanding what&#8217;s available without spending weeks researching it yourself.&nbsp;<\/p>\n\n\n\n<p>One thing that stays constant regardless of lender:&nbsp;you&#8217;ll&nbsp;still need to&nbsp;demonstrate&nbsp;that you can afford the repayments. A guarantor&nbsp;will&nbsp;support the application, but you&nbsp;need to&nbsp;remain responsible for the mortgage.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Not all high street lenders offer guarantor mortgages, so&nbsp;it&#8217;s&nbsp;worth using a whole-of-market broker to search across those that do.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 id=\"who-can-be-a-guarantor-for-a-mortgage\" class=\"wp-block-heading\">Who can be a guarantor for a mortgage?&nbsp;<\/h2>\n\n\n\n<p>Parents are the&nbsp;most commonly accepted&nbsp;guarantors, and some lenders also accept siblings or other close relatives.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Beyond the relationship requirement, guarantors are typically expected to be UK residents, within an age bracket the lender is comfortable with, and to either own their home or hold&nbsp;substantial&nbsp;savings. Some lenders specify that any property used as security must be owned outright.&nbsp;<\/p>\n\n\n\n<h2 id=\"what-are-the-requirements-to-be-a-guarantor\" class=\"wp-block-heading\">What are the requirements to be a guarantor?&nbsp;<\/h2>\n\n\n\n<p>Lenders assess guarantors on their own merits,&nbsp;and some of the typical requirements&nbsp;include:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Being a close family member of the person applying for the mortgage\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Owning their home outright or holding significant equity in it,\u00a0or having sufficient savings set aside\u00a0\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A clean credit history with no significant missed payments or outstanding debts\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Passing the lender&#8217;s affordability checks independently\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Taking independent legal advice before signing, which\u00a0some\u00a0lenders treat as a firm requirement rather than a recommendation\u00a0<\/li>\n<\/ul>\n\n\n\n<p>Age is also a factor.&nbsp;Some&nbsp;lenders apply upper age limits tied to when the mortgage term ends, so&nbsp;it&#8217;s&nbsp;worth&nbsp;establishing&nbsp;this early if your guarantor is approaching retirement age.&nbsp;<\/p>\n\n\n\n<h2 id=\"will-my-guarantor-need-a-credit-check\" class=\"wp-block-heading\">Will my guarantor need a credit check?&nbsp;<\/h2>\n\n\n\n<p>Yes. Their credit history will be assessed just as thoroughly as yours, so any missed payments, outstanding debts or existing financial commitments could influence the outcome.&nbsp;It&#8217;s&nbsp;worth them pulling their own credit report before you apply so nothing comes as a surprise.&nbsp;<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/credit-score\/\" target=\"_blank\" rel=\"noreferrer noopener\">Read more about credit scores here<\/a>.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 id=\"how-much-can-you-borrow-with-a-guarantor-mortgage\" class=\"wp-block-heading\">How much can you borrow with a guarantor mortgage?&nbsp;<\/h2>\n\n\n\n<p>Your borrowing is still calculated on your income and what the lender considers affordable for you \u2013 a guarantor&nbsp;doesn&#8217;t&nbsp;change that calculation. What changes is the lender&#8217;s willingness to approve the application in the first place. You can use&nbsp;our&nbsp;<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/calculators\/mortgage-calculator\" target=\"_blank\" rel=\"noreferrer noopener\">mortgage calculator<\/a>&nbsp;as a starting point.&nbsp;<\/p>\n\n\n\n<h2 id=\"what-are-the-risks-of-a-guarantor-mortgage\" class=\"wp-block-heading\">What are the risks of a guarantor mortgage?&nbsp;<\/h2>\n\n\n\n<p>There are some risks and things to be aware of&nbsp;if&nbsp;you\u2019re&nbsp;thinking about taking out a guarantor mortgage. These include:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If you miss repayments and\u00a0can&#8217;t\u00a0make up the shortfall, the lender can pursue your guarantor instead. That might mean drawing on their savings or, in serious cases,\u00a0taking action\u00a0against their home.\u00a0<\/li>\n\n\n\n<li>The guarantor\u2019s own ability to get credit in the future can also take a hit, as the guaranteed mortgage may show up in future affordability checks.\u00a0<\/li>\n\n\n\n<li>There&#8217;s\u00a0also the question of what it does to the relationship. Tying a family member into a legal obligation alongside you is a significant ask, and if things become strained financially, that pressure\u00a0could have an impact beyond the money involved.\u00a0\u00a0<\/li>\n<\/ul>\n\n\n\n<p>Both parties&nbsp;should consider&nbsp;taking independent advice beforehand. Some&nbsp;lenders&nbsp;may even&nbsp;require it.&nbsp;<\/p>\n\n\n\n<h2 id=\"are-there-different-types-of-guarantor-mortgages\" class=\"wp-block-heading\">Are there&nbsp;different types&nbsp;of guarantor mortgages?&nbsp;<\/h2>\n\n\n\n<p>There are two main structures. With a property-backed arrangement, the guarantor uses equity in their own home as security. The lender gets comfort from that asset, and the guarantor accepts that it could be at risk if repayments&nbsp;aren&#8217;t&nbsp;maintained.&nbsp;<\/p>\n\n\n\n<p>With a savings-backed arrangement, the guarantor places a lump sum into a linked savings account as security for a set period. If all repayments are made as agreed, the guarantor usually gets it back when that period ends. If things go wrong, the lender can draw on it instead.&nbsp;<\/p>\n\n\n\n<p>Not every lender offers both, and terms vary.&nbsp;&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<h2 id=\"is-my-guarantor-liable-for-the-whole-mortgage\" class=\"wp-block-heading\">Is my guarantor liable for the whole mortgage?&nbsp;<\/h2>\n\n\n\n<p>This will&nbsp;depend on the lender. Some limit liability to the&nbsp;portion&nbsp;of the loan the borrower&nbsp;couldn&#8217;t&nbsp;access alone. Others apply it to the full amount. Your guarantor needs to know exactly which&nbsp;they&#8217;re&nbsp;agreeing to before they sign.&nbsp;<\/p>\n\n\n\n<h2 id=\"what-if-i-cant-make-mortgage-repayments\" class=\"wp-block-heading\">What if I&nbsp;can&#8217;t&nbsp;make mortgage repayments?&nbsp;<\/h2>\n\n\n\n<p>Contact your lender, the earlier the better. Most have options for people in genuine difficulty, such as a payment break or a temporary reduction. But they need to hear from you first, and the longer you leave it, the fewer options tend to be on the table.&nbsp;<\/p>\n\n\n\n<h2 id=\"do-i-have-any-other-options-as-a-first-time-buyer\" class=\"wp-block-heading\">Do I have any other options as a first-time buyer?&nbsp;<\/h2>\n\n\n\n<p>A few\u00a0<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/first-time-buyers\/first-time-buyer-mortgage-schemes\/\">buying schemes<\/a>\u00a0worth knowing about:\u00a0<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/first-time-buyers\/first-time-buyer-mortgage-schemes\/#shared-ownership\">Shared ownership<\/a>: Buy a percentage share of a property and pay rent on the rest, reducing the deposit and loan size you need.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/first-time-buyers\/first-time-buyer-mortgage-schemes\/#first-homes\">First Homes scheme<\/a>: Discounted new builds for eligible first-time buyers in England.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/first-time-buyers\/first-time-buyer-mortgage-schemes\/#mortgage-guarantee-scheme\">Mortgage Guarantee Scheme<\/a>: Government scheme encouraging lenders to offer 95% loan-to-value mortgages.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>A mortgage&nbsp;broker will be able to tell you which of these you might qualify for.&nbsp;&nbsp;<\/p>\n\n\n\n<p>If\u00a0you\u2019re\u00a0looking to buy your first home and are still exploring options,\u00a0you can get an idea of how much\u00a0you might be able to borrow using our mortgage calculator.<\/p>\n\n\n<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/calculators\/mortgage-calculator\"\n   target=\"\"\n   class=\"my-5 c-calculator-module c-calculator-module--tall c-calculator-module--layout-1 c-calculator-module--light \" \n   data-module-admin-id=\"1b086b87b512ef3d1c2bed3346f87a8c\">\n    <div class=\"c-calculator-module__media\" style=\"background-image: url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/04\/doccalc.svg)\"><\/div>\n    <div class=\"c-calculator-module__body c-wp c-wp--flush\">\n        <h2 class=\"c-calculator-module__title\">\n            <span>Try our Mortgage Calculator<\/span>        <\/h2>\n        <div class=\"c-calculator-module__content c-wp c-wp--flush\"><p>Work out your home-buying budget<\/p>\n<\/div>\n        <div class=\"c-calculator-module__footer \">\n                        <div class=\"c-calculator-module__footer__item c-calculator-module__footer__item--cta\">\n                <div class=\"c-calculator-module__cta\">\n                    <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/a>\n\n\n\n<h2 id=\"faqs\" class=\"wp-block-heading\">FAQs<\/h2>\n\n\n<ul class=\"c-faqs\" id=\"\">\n            <li class=\"c-faqs__item\">\n            <h3 id=\"who-can-be-a-guarantor-for-a-mortgage\" class=\"c-faqs__question\">Who can be a guarantor for a mortgage?  <\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span class=\"TextRun SCXW50042281 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW50042281 BCX0\">Usually,<\/span><span class=\"NormalTextRun SCXW50042281 BCX0\">\u00a0a parent or close relative who passes the lender&#8217;s affordability and credit checks, and who owns their home or has\u00a0<\/span><span class=\"NormalTextRun SCXW50042281 BCX0\">substantial<\/span><span class=\"NormalTextRun SCXW50042281 BCX0\">\u00a0savings.\u00a0<\/span><\/span><span class=\"EOP SCXW50042281 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"what-risks-does-a-guarantor-take-on\" class=\"c-faqs__question\">What risks does a guarantor take on?  <\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span class=\"TextRun SCXW165327853 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW165327853 BCX0\">If repayments are missed, the guarantor may have to cover them. Their savings or property could be at risk, and acting as guarantor can affect their own ability to borrow while the arrangement is active.<\/span><\/span><span class=\"EOP SCXW165327853 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"what-does-a-gifted-deposit-letter-need-to-include\" class=\"c-faqs__question\">What does a gifted deposit letter need to include?  <\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span class=\"TextRun SCXW24499568 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW24499568 BCX0\">A confirmation the money is a gift and not a loan, the amount, and that the giver has no claim on the property. Check with your lender as they often have their own required format.<\/span><\/span><span class=\"EOP SCXW24499568 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"can-family-support-affect-future-borrowing-or-retirement-plans\" class=\"c-faqs__question\">Can family support affect future borrowing or retirement plans?  <\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span class=\"TextRun SCXW76625991 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW76625991 BCX0\">Yes. Guaranteeing a mortgage or gifting\u00a0<\/span><span class=\"NormalTextRun SCXW76625991 BCX0\">a large sum<\/span><span class=\"NormalTextRun SCXW76625991 BCX0\">\u00a0can affect what a person can borrow in future. Independent financial advice is recommended before committing.<\/span><\/span><span class=\"EOP SCXW76625991 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"how-long-does-a-guarantor-stay-on-a-guarantor-mortgage\" class=\"c-faqs__question\">How long does a guarantor stay on a guarantor mortgage?  <\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span class=\"TextRun SCXW261376265 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW261376265 BCX0\">Until the lender agrees to release them \u2013 this is usually once the borrower has sufficient equity or moves onto a standard mortgage. There is no automatic end date.<\/span><\/span><span class=\"EOP SCXW261376265 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"can-a-guarantor-mortgage-affect-the-guarantors-own-borrowing\" class=\"c-faqs__question\">Can a guarantor mortgage affect the guarantor&#039;s own borrowing?  <\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span class=\"TextRun SCXW242723464 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW242723464 BCX0\">Yes. The guaranteed mortgage may be factored into affordability checks by other lenders, limiting\u00a0<\/span><span class=\"NormalTextRun SCXW242723464 BCX0\">their<\/span><span class=\"NormalTextRun SCXW242723464 BCX0\">\u00a0ability to borrow or remortgage while the arrangement is in place.<\/span><\/span><span class=\"EOP SCXW242723464 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"can-i-use-both-a-guarantor-and-a-gifted-deposit\" class=\"c-faqs__question\">Can I use both a guarantor and a gifted deposit?  <\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span class=\"TextRun SCXW22312569 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW22312569 BCX0\">Some lenders allow\u00a0<\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW22312569 BCX0\">it, but<\/span><span class=\"NormalTextRun SCXW22312569 BCX0\">\u00a0expect\u00a0<\/span><span class=\"NormalTextRun SCXW22312569 BCX0\">additional<\/span><span class=\"NormalTextRun SCXW22312569 BCX0\">\u00a0checks and documentation on both sides. Whether\u00a0<\/span><span class=\"NormalTextRun SCXW22312569 BCX0\">it&#8217;s<\/span><span class=\"NormalTextRun SCXW22312569 BCX0\">\u00a0<\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW22312569 BCX0\">possible<\/span><span class=\"NormalTextRun SCXW22312569 BCX0\">\u00a0comes down to the specific lender&#8217;s criteria.<\/span><\/span><span class=\"EOP SCXW22312569 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n            <\/div>\n        <\/li>\n    <\/ul>\n\n\n\n<p><em>Please note: Your home may be repossessed if you do not keep up repayments on the mortgage. Rightmove is not authorised to give financial advice; the information and opinions provided in these articles are not intended to be financial advice and should not be relied upon when making financial decisions. Please seek advice from a regulated mortgage adviser.\u202f\u202f<\/em>\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"<p>For many&nbsp;first-time buyers, the challenge of getting a mortgage comes down to meeting specific lending criteria. You might be close on your deposit, have a steady income that covers your outgoings, or simply not have much credit history yet. A guarantor mortgage is one&nbsp;option&nbsp;designed to help in these situations, by adding extra security for the [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":3647,"parent":1079,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":"","author_profile":""},"class_list":["post-3641","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":{"author_profile":[]},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What is a guarantor mortgage? - Rightmove<\/title>\n<meta name=\"description\" content=\"Read more about how guarantor mortgages work, who they might suit, and the risks to understand before you apply.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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